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Begini Cara Menghitung Appraisal Rumah sebagai Agunan di Bank

Terakhir diperbarui 24 Mei 2023 · 4 min read · by Yuhan Al Khairi

cara menghitung appraisal rumah

Mengetahui cara menghitung appraisal rumah sangatlah penting.

Sebab, proses satu ini akan memengaruhi besar-kecilnya dana yang dicairkan oleh bank, saat mengajukan pinjaman seperti KPR atau Kredit Multiguna.

Rumah sendiri merupakan objek agunan favorit banyak orang. 

Tidak cuma awam, pihak perbankan pun sangat senang dengan jenis jaminan ini karena tergolong aset bernilai tinggi.

Biasanya, bank tidak ragu untuk mencairkan dana 70–80% dari nilai aset jika objek agunannya berupa rumah.

Namun, tak semua orang yang mengajukan kredit ke bank menerima nilai pinjaman serupa.

Agar tidak salah tafsir, simak cara menghitung biaya appraisal rumah sebagai agunan di bank .

Cara Bank Menghitung Appraisal Rumah

pendekatan harga pasar

Setelah kita mengajukan kredit ke bank, biasanya ada dua cara menghitung appraisal rumah yang akan dilakukan oleh pihak bank.

Dua cara tersebut adalah pendekatan harga pasar serta penentuan nilai taksir hunian.

Pada saat mengajukan kredit, sebenarnya bank sudah mempunyai harga kisaran tersendiri terhadap rumah yang diagunkan. 

Namun, harga tersebut sering kali meleset dan jauh dari harga pasaran.

Pendekatan Harga Pasar

Penentuan nilai appraisal berdasarkan harga pasaran sebenarnya cukup sederhana.

Umumnya bank akan membandingkan hunian tersebut dengan tiga sampel rumah yang memiliki spesifikasi serupa.

Rumah-rumah tersebut biasanya berasal dari satu wilayah yang sama, sehingga nilai NJOP dari rumah tersebut tidak akan berbeda.

Spesifikasi banguan yang dinilai dalam proses ini, meliputi:

  • Luas tanah
  • Luas bangunan
  • Kualitas lantai
  • Kualitas bangunan
  • Prospek lokasi

Misalnya, kamu menjamin rumah di Parkspring Gading dengan luas lahan 80 m² dan luas bangunan 112 m².

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Di lokasi tersebut, harga rumah dengan spesifikasi yang sama berkisar Rp1 miliar-an.

Jika demikian, pihak bank akan mematok harga tersebut sebagai harga pembanding. 

Lalu, mereka akan menghitung nilai appraisal rumahmu sekitar 70–80% dari harga pasaran.

Pendekatan Nilai Taksir Rumah

Pendekatan nilai taksir atau dikenal juga sebagai pendekatan biaya, ialah cara menghitung appraisal rumah yang paling sering digunakan oleh pihak perbankan.

Mengapa cara ini sangat populer? Dengan menghitung nilai taksir rumah, mereka bisa mendapatkan harga agunan yang paling sesuai dibanding pendekatan harga pasar.

Proses appraisal rumah ini dilaksanakan oleh pihak bank, dengan cara melakukan survei ke lokasi rumah secara langsung.

Setelahnya, mereka akan menanyakan harga kisaran tanah di wilayah tersebut kepada ketua RT/RW ataupun tetangga sekitar.

Sama seperti pendekatan harga pasar, perhitungan harga appraisal rumah ini mempertimbangkan spesifikasi, lokasi dan kualitas bangunan. 

Supaya tidak bingung, berikut rumus dan simulasi perhitungannya.

Simulasi Perhitungan Nilai Taksir Rumah

Simulasi Perhitungan Nilai Taksir Rumah

Mari kita asumsikan jika setelah melakukan survei bank mendapatkan informasi berupa: 

  • Total nilai harga tanah berkisar Rp300 juta.
  • Total nilai bangunan rumah mencapai Rp150 juta.

Berdasarkan informasi di atas, maka cara menghitung appraisal rumah tersebut adalah:

Nilai taksir rumah = Rp300 juta + Rp150 juta

Nilai taksir rumah = Rp450 juta

Bagaimana, sekarang kamu sudah tahukan bagaimana cara bank menghitung nilai appraisal agunan?

Selanjutnya, ketahui juga cara meningkatkan nilai appraisal rumah di bawah ini, yuk!

Baca juga:

5 Bank yang Terima Gadai AJB Rumah (Lengkap dengan Persyaratan)! 

Tips agar Nilai Appraisal Rumah Dihargai Tinggi

Lakukan Perbaikan pada Hunian

Lakukan Perbaikan pada Hunian

Sebab proses appraisal berhubungan dengan penilaian rumah, melakukan perbaikan pada hunian yang akan diagunkan agaknya cukup penting untuk meningkatkan nilai pinjaman.

Jika tampilan rumahmu prima, maka pihak bank akan menilai jika kualitas bangunannya masih sangat baik. 

Tidak perlu renovasi besar-besaran, cukup benahi hal-hal kecil yang sudah usang saja.

Pastikan Riwayat Kredit Lancar

riwayat kredit lancar

Riwayat kredit berhubungan dengan kesiapan dalam membayar cicilan. 

Jika sebelumnya kamu pernah terlibat hutang-piutang dengan bank, kecil kemungkinan nilai appraisal-mu tinggi bahkan diterima.

Karena itu, pastikan riwayat kreditmu selalu lancar.

Siapkan pula rekening koran atau fotokopi rekening tabungan, untuk meningkatkan kepercayaan pihak bank.

Bersikap Kooperatif dan Proaktif

Bersikap Kooperatif dan Proaktif

Saat proses appraisal rumah berlangsung, kita boleh mengajukan beberapa data pembanding untuk pertimbangan analisis bank. 

Buktikan jika rumah tersebut layak diberi nilai appraisal yang tinggi, bersikaplah kooperatif dan proaktif kepada pihak bank. 

Selain mempermudah proses penilaian yang mereka lakukan, sikap ini juga bisa menunjukkan keseriusanmu sebagai calon kreditur.

Lengkapi Syarat-Syarat yang Diminta

Lengkapi Syarat Syarat yang Diminta

Tentu saja, tidak mungkin pengajuan kredit diterima jika kita tidak mampu memenuhi syarat-syarat yang diminta oleh bank.

Beberapa syarat yang harus dipersiapkan, seperti:

  • Fotokopi identitas seperti KTP, SIM dan sejenisnya;
  • Fotokopi akta nikah (jika sudah menikah);
  • Fotokopi kartu keluarga (KK);
  • Fotokopi buku tabungan;
  • Fotokopi slip gaji 3 bulan terakhir;
  • Nomor Pokok Wajib Pajak (NPWP);
  • Rekening listrik dan telepon terakhir; serta
  • Sertifikat atau bukti hak kepemilikan rumah.

Bawa seluruh syarat dokumentasi tersebut pada saat mengajukan kredit. 

Persiapkan diri dengan baik, serta jawab semua pertanyaan yang diajukan oleh bank secara jelas dan meyakinkan.

Selamat mencoba!